lob · kevinpjones · Jun 5, 2026 · Jun 2, 2026 · Jun 3, 2026
diff --git a/composer.json b/composer.json
@@ -1,6 +1,6 @@
 {
     "name": "lob/lob-php",
-    "version": "4.2.8",
+    "version": "4.3.0",
     "description": "The Lob API is organized around REST. Our API is designed to have predictable, resource-oriented URLs and uses HTTP response codes to indicate any API errors.",
     "keywords": [
         "openapitools",

diff --git a/lib/Model/BankAccount.php b/lib/Model/BankAccount.php
@@ -73,7 +73,8 @@ class BankAccount implements ModelInterface, ArrayAccess, \JsonSerializable
         'date_created' => '\DateTime',
         'date_modified' => '\DateTime',
         'deleted' => 'bool',
-        'object' => 'string'
+        'object' => 'string',
+        'microdeposit_type' => 'string'
     ];
 
     /**
@@ -97,7 +98,8 @@ class BankAccount implements ModelInterface, ArrayAccess, \JsonSerializable
         'date_created' => 'date-time',
         'date_modified' => 'date-time',
         'deleted' => null,
-        'object' => null
+        'object' => null,
+        'microdeposit_type' => null
     ];
 
     /**
@@ -140,7 +142,8 @@ public static function openAPIFormats()
         'date_created' => 'date_created',
         'date_modified' => 'date_modified',
         'deleted' => 'deleted',
-        'object' => 'object'
+        'object' => 'object',
+        'microdeposit_type' => 'microdeposit_type'
     ];
 
     /**
@@ -162,7 +165,8 @@ public static function openAPIFormats()
         'date_created' => 'setDateCreated',
         'date_modified' => 'setDateModified',
         'deleted' => 'setDeleted',
-        'object' => 'setObject'
+        'object' => 'setObject',
+        'microdeposit_type' => 'setMicrodepositType'
     ];
 
     /**
@@ -184,7 +188,8 @@ public static function openAPIFormats()
         'date_created' => 'getDateCreated',
         'date_modified' => 'getDateModified',
         'deleted' => 'getDeleted',
-        'object' => 'getObject'
+        'object' => 'getObject',
+        'microdeposit_type' => 'getMicrodepositType'
     ];
 
     /**
@@ -286,6 +291,7 @@ public function __construct(array $data = null)
         $this->container['date_modified'] = $data['date_modified'] ?? null;
         $this->container['deleted'] = $data['deleted'] ?? null;
         $this->container['object'] = $data['object'] ?? null;
+        $this->container['microdeposit_type'] = $data['microdeposit_type'] ?? null;
     }
 
     /**
@@ -836,6 +842,32 @@ public function setObject($object)
 
         return $this;
     }
+
+
+    /**
+     * Gets microdeposit_type
+     *
+     * @return string|null
+     */
+    public function getMicrodepositType()
+    {
+        return $this->container['microdeposit_type'];
+    }
+
+    /**
+     * Sets microdeposit_type
+     *
+     * @param string|null $microdeposit_type The type of microdeposit verification required. Present when verified is false; null once the account is verified. Use this to determine which field to submit to the verify endpoint: amounts or descriptor_code.
+     *
+     * @return self
+     */
+    public function setMicrodepositType($microdeposit_type)
+    {
+        $this->container['microdeposit_type'] = $microdeposit_type;
+
+        return $this;
+    }
+
     /**
      * Returns true if offset exists. False otherwise.
      *

diff --git a/lib/Model/BankAccountVerify.php b/lib/Model/BankAccountVerify.php
@@ -60,7 +60,8 @@ class BankAccountVerify implements ModelInterface, ArrayAccess, \JsonSerializabl
       * @var string[]
       */
     protected static $openAPITypes = [
-        'amounts' => 'int[]'
+        'amounts' => 'int[]',
+        'descriptor_code' => 'string'
     ];
 
     /**
@@ -71,7 +72,8 @@ class BankAccountVerify implements ModelInterface, ArrayAccess, \JsonSerializabl
       * @psalm-var array<string, string|null>
       */
     protected static $openAPIFormats = [
-        'amounts' => null
+        'amounts' => null,
+        'descriptor_code' => null
     ];
 
     /**
@@ -101,7 +103,8 @@ public static function openAPIFormats()
      * @var string[]
      */
     protected static $attributeMap = [
-        'amounts' => 'amounts'
+        'amounts' => 'amounts',
+        'descriptor_code' => 'descriptor_code'
     ];
 
     /**
@@ -110,7 +113,8 @@ public static function openAPIFormats()
      * @var string[]
      */
     protected static $setters = [
-        'amounts' => 'setAmounts'
+        'amounts' => 'setAmounts',
+        'descriptor_code' => 'setDescriptorCode'
     ];
 
     /**
@@ -119,7 +123,8 @@ public static function openAPIFormats()
      * @var string[]
      */
     protected static $getters = [
-        'amounts' => 'getAmounts'
+        'amounts' => 'getAmounts',
+        'descriptor_code' => 'getDescriptorCode'
     ];
 
     /**
@@ -180,6 +185,7 @@ public function getModelName()
     public function __construct(array $data = null)
     {
         $this->container['amounts'] = $data['amounts'] ?? null;
+        $this->container['descriptor_code'] = $data['descriptor_code'] ?? null;
     }
 
     /**
@@ -192,19 +198,26 @@ public function listInvalidProperties()
         $invalidProperties = [];
 
         if (!method_exists($this, 'getId') || (!empty($this->getId()) && strpos($this->getId(), "fakeId") === False)) {
-            if ($this->container['amounts'] === null) {
-                $invalidProperties[] = "'amounts' can't be null";
-            }
-        }
-        if (!method_exists($this, 'getId') || (!empty($this->getId()) && strpos($this->getId(), "fakeId") === False)) {
-            if ((count($this->container['amounts']) > 2)) {
-                $invalidProperties[] = "invalid value for 'amounts', number of items must be less than or equal to 2.";
+            $hasAmounts = $this->container['amounts'] !== null;
+            $hasDescriptorCode = $this->container['descriptor_code'] !== null;
+
+            if (!$hasAmounts && !$hasDescriptorCode) {
+                $invalidProperties[] = "one of 'amounts' or 'descriptor_code' must be provided";
             }
 
-            if ((count($this->container['amounts']) < 2)) {
-                $invalidProperties[] = "invalid value for 'amounts', number of items must be greater than or equal to 2.";
+            if ($hasAmounts && $hasDescriptorCode) {
+                $invalidProperties[] = "only one of 'amounts' or 'descriptor_code' may be provided";
             }
 
+            if ($hasAmounts) {
+                if ((count($this->container['amounts']) > 2)) {
+                    $invalidProperties[] = "invalid value for 'amounts', number of items must be less than or equal to 2.";
+                }
+
+                if ((count($this->container['amounts']) < 2)) {
+                    $invalidProperties[] = "invalid value for 'amounts', number of items must be greater than or equal to 2.";
+                }
+            }
         }
         return $invalidProperties;
     }
@@ -253,14 +266,43 @@ public function setAmounts($amounts)
         $this->container['amounts'] = [];
         if ($amounts) {
             foreach ($amounts as $point) {
-                
+
                 $deserializedData = (int) $point;
                 array_push($this->container['amounts'], $deserializedData);
             }
         }
 
         return $this;
     }
+
+    /**
+     * Gets descriptor_code
+     *
+     * @return string|null
+     */
+    public function getDescriptorCode()
+    {
+        return $this->container['descriptor_code'];
+    }
+
+    /**
+     * Sets descriptor_code
+     *
+     * @param string|null $descriptor_code The 6-character code (beginning with SM) from the bank statement descriptor of the single $0.01 microdeposit. Required when microdeposit_type is descriptor_code.
+     *
+     * @return self
+     */
+    public function setDescriptorCode($descriptor_code)
+    {
+        if (!method_exists($this, 'getId') || (!empty($this->getId()) && strpos($this->getId(), "fakeId") === False)) {
+            if (!is_null($descriptor_code) && !preg_match("/^SM[a-zA-Z0-9]{4}$/", $descriptor_code)) {
+                throw new \InvalidArgumentException('invalid value for $descriptor_code when calling BankAccountVerify., must conform to the pattern /^SM[a-zA-Z0-9]{4}$/.');
+            }
+        }
+        $this->container['descriptor_code'] = $descriptor_code;
+
+        return $this;
+    }
     /**
      * Returns true if offset exists. False otherwise.
      *

diff --git a/test/Integration/BankAccountsApiSpecTest.php b/test/Integration/BankAccountsApiSpecTest.php
@@ -360,4 +360,31 @@ public function testDelete404()
         $this->expectExceptionMessageMatches("/bank account not found/");
         $badDeletion = self::$bankApi->delete("bank_NONEXISTENT");
     }
+
+    public function testVerifyWithDescriptorCode200()
+    {
+        try {
+            $createdBankAccount = self::$bankApi->create(self::$writableBankAcc);
+            $descriptorVerify = new BankAccountVerify();
+            $descriptorVerify->setDescriptorCode("SM11AA");
+            $verifiedBankAccount = self::$bankApi->verify($createdBankAccount->getId(), $descriptorVerify);
+            $this->assertMatchesRegularExpression("/bank_/", $verifiedBankAccount->getId());
+            array_push($this->idsForCleanup, $createdBankAccount->getId());
+        } catch (\Exception $e) {
+            throw new \Exception($e->getMessage());
+        }
+    }
+
+    public function testBankAccountHasMicrodepositType()
+    {
+        try {
+            $createdBankAccount = self::$bankApi->create(self::$writableBankAcc);
+            $retrievedBankAccount = self::$bankApi->get($createdBankAccount->getId());
+            $this->assertNotNull($retrievedBankAccount->getMicrodepositType());
+            $this->assertContains($retrievedBankAccount->getMicrodepositType(), ["amounts", "descriptor_code"]);
+            array_push($this->idsForCleanup, $createdBankAccount->getId());
+        } catch (\Exception $e) {
+            throw new \Exception($e->getMessage());
+        }
+    }
 }
diff --git a/test/Unit/BankAccountsApiUnitTest.php b/test/Unit/BankAccountsApiUnitTest.php
@@ -836,4 +836,85 @@ public function testVerifyFailStatusCode()
             echo 'Caught exception: ',  $instantiationError->getMessage(), "\n";
         }
     }
+
+    /**
+     * @group unit
+     * @group bankAccounts
+     */
+    public function testVerifyWithDescriptorCode()
+    {
+        $guzzleMock = new MockHandler();
+        $handlerStack = HandlerStack::create($guzzleMock);
+        $client = new Client(['handler' => $handlerStack]);
+        $config = new Configuration();
+        $config->setApiKey('basic', 'Totally Fake Key');
+        $bankAccountsApi = new BankAccountsApi($config, $client);
+
+        $guzzleMock->append(new Response(200, [], self::$mockBankAccountResponse));
+        try {
+            $verify = new BankAccountVerify(array("descriptor_code" => "SM11AA"));
+            $happyPath = $bankAccountsApi->verify(self::$mockBankId, $verify);
+            $this->assertEquals($happyPath->getId(), self::$mockBankId);
+        } catch (Exception $retrieveError) {
+            echo 'Caught exception: ',  $retrieveError->getMessage(), "\n";
+        }
+    }
+
+    /**
+     * @group unit
+     * @group bankAccounts
+     */
+    public function testVerifyFailBothAmountsAndDescriptorCode()
+    {
+        $verify = new BankAccountVerify(array("amounts" => [1, 2], "descriptor_code" => "SM11AA"));
+        $invalidProps = $verify->listInvalidProperties();
+        $this->assertNotEmpty($invalidProps);
+        $this->assertStringContainsString("only one of", $invalidProps[0]);
+        $this->assertFalse($verify->valid());
+    }
+
+    /**
+     * @group unit
+     * @group bankAccounts
+     */
+    public function testVerifyFailNeitherAmountsNorDescriptorCode()
+    {
+        $verify = new BankAccountVerify();
+        $invalidProps = $verify->listInvalidProperties();
+        $this->assertNotEmpty($invalidProps);
+        $this->assertStringContainsString("one of 'amounts' or 'descriptor_code' must be provided", $invalidProps[0]);
+    }
+
+    /**
+     * @group unit
+     * @group bankAccounts
+     */
+    public function testVerifyFailInvalidDescriptorCodePattern()
+    {
+        try {
+            $this->expectException(\InvalidArgumentException::class);
+            $verify = new BankAccountVerify();
+            $verify->setDescriptorCode("INVALID");
+        } catch (Exception $e) {
+            echo 'Caught exception: ',  $e->getMessage(), "\n";
+        }
+    }
+
+    /**
+     * @group unit
+     * @group bankAccounts
+     */
+    public function testBankAccountHasMicrodepositType()
+    {
+        $account = new BankAccount();
+        $account->setId(self::$mockBankId);
+        $account->setMicrodepositType("amounts");
+        $this->assertEquals("amounts", $account->getMicrodepositType());
+
+        $account->setMicrodepositType("descriptor_code");
+        $this->assertEquals("descriptor_code", $account->getMicrodepositType());
+
+        $account->setMicrodepositType(null);
+        $this->assertNull($account->getMicrodepositType());
+    }
 }